Look, I'll say it: I'm not great at financial stuff. I'm just... not. I don't know where to begin, I'm paying off a bunch of credit card debt, & I have a soft spot for shopping on bad days. I'm trying to get better about it because the idea of being a full-fledged adult with so ncushion is terrifying, but it continues to be a struggle for me.
In an effort to save some dollah bills in the year to come, here are a few items I've decided to stop paying for. Most of these were easy decisions, & I don't think I'll miss having these things in my life. In fact, writing them down like this, I'm excited to kick them to the curb & pocket the money I'd usually be spending on them to save for something else - like, you know, the future. Or a trip to Thailand.
I told you I'm not good at this, OK?
Spotify PremiumI haaaate listening to music with commercials, so paying $10 a month for Spotify Premium seemed like an easy solution to avoiding one of my biggest pet peeves. But that was when I lived in D.C. & took public transportation everywhere - & it was also before I discovered podcasts. These days, I listen to the radio or The Shepod when I drive, & I find myself listening to Spotify very rarely. When I do, I can suck up the stray commercial or two if it means saving $120 a year.
Weekday boozeThis is a good one to cut down on both for my wallet and my waistline. Mike & I do all kinds of fun things around Cleveland, but going out often means going all out, ordering an appetizer & a craft beer along with our meals. I'm committing to not buying alcohol at restaurants anymore, & if I do, it will be just one (like when I'm at a happy hour or trivia night). I'm not sure how much this will save me, but surely it's a good call, right?
BooksMy librarian mom & bibliophile boyfriend are probably gasping in horror right now, but fret not, dear ones! I'm just not buying anymore books - because it is so easy to get them for free & on the cheap elsewhere. I've started taking advantage of Amazon's Kindle First program, which gives me one free new book a month, & I have four library cards, which makes it easy to check out tangible books & borrow Kindle books through OverDrive, which curbs my occasional late-night, "I want to read thus-&-such book right now" syndrome. Not sure how much it'll save me, but I have a feeling I'm about to do more reading! (That reminds me: Are we friends on GoodReads?)
POPSUGAR MustHave BoxYou already know about this because I wrote a no-holds-barred rant last month about my waning love for this company. December was my first month in two years without a MustHave Box, & while I thought I'd miss it, I really didn't - & I missed it even less when Stephanie sent me angry tweets & photos about how crappy this month's box was. A quick scroll through the company's social media accounts tells me we're not the only ones unhappy with their customer service, & while I miss the way the boxes used to be, I'm happy to have another $40 in my pocket each month.
A top-tier health insurance planFor the last whole-knows-how-many years, I've been paying for my organization's Tier III health insurance plan, which is the "best" & therefore the most expensive. The reason for this? I am a hypochondriac with significant back problems & some low-grade mental health needs. But also, I'm lazy, & figuring out the differences between everything seems time-consuming & difficult. I'd rather just pay more for the convenience of, well, the convenience. But this year, our insurance options changed, & the middle-tier option sounds just fine. I'm switching down & will save more than $200 a month!
Feedly ProMy reasons for cutting this service are similar to my reasons for cutting Spotify premium: I thought I'd "need" it more than I do. I let my account for Feedly Pro, an RSS reader, lapse this month, & though they're still running a holiday special that would allow me to renew for $45 instead of $65, I just don't find myself using the added features enough to justify the cost for another year. The free version is treating me just fine so far.